Loans

Auto - New

Loan must be secured by a 2015 or newer Auto and under 90,000 miles

Approx. Term

APR

24-35 Months

As low as 5.49%*

36-63 Months

As low as 5.49%*

64-75 Months

As low as 5.99%*

76-84 Months

As low as 6.99%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. 63 monthly payments of $367.73 for $20,000 borrowed at 5.49% APR All loans subject to approval.

Auto - Used

Loan must be secured by a 2012-2014 Auto and under 120,000 miles OR 2015 or newer Auto with over 90,000 - 120,000 miles, or Special Interest Autos

Approx. Term

APR

24-35 Months

As low as 6.99%*

36-63 Months

As low as 6.99%*

64-75 Months

As low as 7.49%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. 63 monthly payments of $191.15 for $10,000 borrowed at 6.99% APR for loan secured by a 2012-2014 Auto and under 120,000 miles OR 2015 or newer Auto with over 90,000 - 120,000 miles, or Special Interest Autos. All loans subject to approval.

Loan must be secured by a 2009-2011 Auto regardless of mileage OR any newer Auto with over 120,000 miles

Approx. Term

APR

24-35 Months

As low as 7.24%*

36-63 Months

As low as 7.24%*

64-75 Months

As low as 7.74%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. 63 monthly payments of $192.38 for $10,000 borrowed at 7.24% APR. All loans subject to approval.

Boats & Jet Skis

Approx. Term

APR

24-180 Months

As low as 7.49%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. * To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. 60 monthly payments of $201.53 for $10,000 borrowed at 7.49% APR All loans subject to approval.

Motorcycles & ATVs

Approx. Term

APR

24-60 Months

As low as 5.49%*

61-72 Months

As low as 5.99%*

73-84 Months (Motorcycle only)

As low as 6.74%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. 60 monthly payments of $95.91 for $5,000 borrowed at 5.49% APR. All loans subject to approval.

Campers, Travel Trailers, 5th Wheels, Motor Homes

Loan must be secured by a 2015 or newer camper, travel trailer, 5th wheel, or motorhome

Financed Amount

Approx. Term

APR

$1,000 to $25,000

24 - 72 months

as low as 6.99%*

$25,001 to $50,000

up to 144 months

as low as 6.49%*

$50,001+

up to 180 months

as low as 6.24%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. 180 monthly payments of $430.58 for $50,001 borrowed at 6.24% APR for loan secured by a 2015 or newer camper, travel trailers, 5th wheel, or motorhome. All loans subject to approval. All loans subject to approval.

Loan must be secured by a 2012 to 2014 camper, travel trailer, 5th wheel, or motorhome

Financed Amount

Approx. Term

APR

$1,000 to $25,000

24 - 72 months

as low as 7.24%*

$25,001 to $50,000

up to 144 months

as low as 6.74%*

$50,001+

up to 180 months

as low as 6.49%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. 144 monthly payments of $255.02 for $25,001 borrowed at 6.74% APR. All loans subject to approval.

Loan must be secured by a 2011 or older camper, travel trailer, 5th wheel, or motorhome

Financed Amount

Approx. Term

APR

$1,000 to $25,000

24 - 72 months

as low as 7.74%*

$25,001 to $50,000

up to 144 months

as low as 7.24%*

$50,001+

up to 180 months

as low as 6.99%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. 72 monthly payments of $175.14 for $10,000 borrowed at 7.74% APR. All loans subject to approval.

Personal Loans (Secured)

Share or Certificate Secured

Approx. Term

APR

12-60 Months

As low as 4.00%*

61-72 Months

As low as 4.25%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account. 60 monthly payments of $92.09 for $5,001 borrowed at 4.00% APR. All loans subject to approval.

Personal Loans (Unsecured)

Approx. Term

APR

12-24 Months

As low as 8.49%

25-48 Months

As low as 8.74%

49-60 Months

As low as 8.99%

61-72 Months

As low as 9.49%

Annual Percentage Rate (APR) is accurate as of December 31, 2018. Rates start as low as 8.49% APR. Rates may vary based on individual creditworthiness and term of the loan. Subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. $2,500 new money required. This rate includes a .25% discount for automatic payment. 24 monthly payments of $114.40 for $2,500 borrowed at 8.49% APR Inquire at Centris for complete terms and conditions at (800) 334-2328.

Personal Lines of Credit

Line of Credit – Call (402) 758-6500 for current rates and conditions. All loans subject to approval.

Home Equity Loans

91-100%

Term

Fixed APR

2-72 Months

As low as 8.24%*

73-120 Months

As low as 9.24%*

81-90% Financing

Term

Fixed APR

2-72 Months

As low as 5.99%*

73-120 Months

As low as 6.99%*

121-180 Months

As low as 7.49%*

0-80% Financing

Term

Fixed APR

2-72 Months

As low as 4.74%*

73-120 Months

As low as 5.74%*

121-180 Months

As low as 6.24%*

Annual Percentage Rate (APR) is accurate as of December 20, 2018. Real estate closing costs/fees vary based on loan amount, location and type of loan. *To qualify for this rate you must have an automatic payment from a Centris checking account. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater. 72 monthly payments of $17.77 for $1,000 borrowed at 8.24% APR for 91-100% financing. 72 monthly payments of $16.65 for $1,000 borrowed at 5.99% APR for 81-90% financing. 72 monthly payments of $15.93 for $1,000 borrowed at 4.74% APR for 0-80% financing. All loans subject to approval.

Home Equity Line of Credit

6 Month Introductory Rate

APR

LTV 0-80

Variable* as low as .99%

LTV 81-90

Variable* as low as .99%

LTV 91-100

Variable* as low as .99%

Regular Variable Rates

APR

LTV 0-80

Variable* as low as 5.00%

LTV 81-90

Variable* as low as 6.00%

LTV 91-100

Variable* as low as 7.00%

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of July 2, 2018 and my vary quarterly. The APR is based on the Wall Street Journal Prime Rate. The introductory rate will be in effect for 6 months. Thereafter, the APR will be based on the prime rate plus a margin of up to 2.00%. The maximum APR that may apply is 18%. Loan fees and closing costs may vary between $400-$500. Other restrictions may apply. All loans subject to approval.

Savings & Checking

Direct Checking

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

Any Balance

.05%

.05%

$100

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 2, 2018. Rates may change after account opening. Fees may reduce earnings.

Regular Savings, Rafferty & CU Succeed

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

$999.99 & Below

.10%

.10%

$50.00

$1,000.00 & Above

.10%

.10%

$1,000.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 2, 2018. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.

You-Name-It Club

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

No Minimum Balance

.20%

.20%

$35.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 25, 2019. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.

Market Rate Savings

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

$.0-1,999.99

.10%

.10%

$50.00

$2,000.00

.20%

.20%

$2,000.00

$10,000.00-24,999.99

.25%

.25%

$10,000.00

$25,000.00-49,999.99

.40%

.40%

$25,000.00

$50,000.00+

.50%

.50%

$50,000

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: August 31, 2018. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.

Investors Plus Money Market

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

$25,000-$74,999.99

.50%

.50%

$25,000.00

$75,000.00-$99,999.00

.55%

.55%

$75,000.00

$100,000.00 -$249,999.00

1.04%

1.05%

$100,000.00

$250,000.00 & Above

1.29%

1.30%

$250,000.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: August 31, 2018. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $25,000.00 to open this account. $25,000.00 Minimum Balance to avoid a Service Fee.

IRA Savings

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

$9,999.99 & Below

.15%

.15%

$35.00

$10,000.00 & Above

.20%

.20%

$10,000.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 2, 2018. Rates may change after account opening. Fees may reduce earnings.

50 Advantage Checking

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

Any Balance

.05%

.05%

$100.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 2, 2018. Rates may change after account opening. Fees may reduce earnings.

Premier Checking

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

$.01-1,499.99

.10%

.10%

$50.00

$1,500.00 & Above

.15%

.15%

$1,500.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 2, 2018. Rates may change after account opening. Fees may reduce earnings.

Totally Free Checking

Tier

Dividend Rate

APY

Minimum balance to earn stated APY

Non Dividend Bearing Account

N/A

N/A

Inquire at Centris for complete terms & conditions.

Credit Cards

VISA® Credit Card

Interest Rates and Interest Charges

Annual Percentage Rate (APR)

9.9-17.9% - Depending on your credit worthiness

APR for Balance Transfers

9.9-17.9% - Depending on your credit worthiness

APR for Cash Advances

9.9-17.9% - Depending on your credit worthiness

Penalty APR and When It Applies

There is no penalty APR

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Fees

1% on transactions that are converted from foreign currencies to U.S. dollars.

Penalty Fees

Late Payment Fee

Up to $27.00

Returned Payment Fee

Up to $27.00

Other Fees

Statement Copy Fee

$3.00/Copy

In order to qualify for the Centris Federal Credit Union Credit Card you must meet certain qualifications. All loans subject to approval.

The terms of your Account are subject to change as provided in the Agreement.

How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances).

Effective Date: The information about the costs of the card described in this application is accurate as of January 2, 2018. This information may have changed after that date. To find out what may have changed, you may contact Centris at (402) 334-7000 or toll free at (800) 334-2328 or write to: Centris Federal Credit Union, 11825 Q Street, Omaha, NE 68137-3503.

Disclosure provided VISA REV 08/07/17

Centris Rewards VISA® Credit Card

Interest Rates and Interest Charges

Annual Percentage Rate (APR)

12.99-17.99% - Depending on your credit worthiness

APR for Balance Transfers

12.99-17.99% - Depending on your credit worthiness

APR for Cash Advances

12.99-17.99% - Depending on your credit worthiness

Penalty APR and When It Applies

18.00% - This APR may be applied to your account if you do not make payments and your account becomes 60 days delinquent.How Long will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due; and you do not again default on these conditions during this time.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Fees

1% on transactions that are converted from foreign currencies to U.S. dollars.

Penalty Fees

Late Payment Fee

Up to $27.00

Returned Payment Fee

Up to $27.00

Other Fees

Statement Copy Fee

$3.00/Copy

In order to qualify for the Centris Federal Credit Union Credit Card you must meet certain qualifications. All loans subject to approval.

The terms of your Account are subject to change as provided in the Agreement.

How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances).

Effective Date: The information about the costs of the card described in this application is accurate as of January 2, 2018. This information may have changed after that date. To find out what may have changed, you may contact Centris at (402) 334-7000 or toll free at (800) 334-2328 or write to: Centris Federal Credit Union, 11825 Q Street, Omaha, NE 68137-3503.

Disclosure provided VISA REV 08/07/17

Certificates

Regular & IRA

Regular & IRA Certificates - minimum opening deposit of $500.00

Term

Dividend Rate

APY

Minimum balance to earn stated APY

6 months

1.44%

1.45%

$500.00

9 months

1.59%

1.60%

$500.00

12 months

1.73%

1.75%

$500.00

14 months

2.71%

2.75%

$500.00

18 months

1.98%

2.00%

$500.00

24 months

2.13%

2.15%

$500.00

36 months

2.27%

2.30%

$500.00

40 months

3.25%

3.30%

$500.00

48 months

2.37%

2.40%

$500.00

60 months

2.47%

2.50%

$500.00

Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on January 25, 2019. Rates are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

Jumbo

Jumbo Certificates - minimum opening deposit of $90,000.00

Term

Dividend Rate

APY

Minimum balance to earn stated APY

6 months

1.54%

1.55%

$90,000.00

9 months

1.69%

1.70%

$90,000.00

12 months

1.83%

1.85%

$90,000.00

14 months

2.81%

2.85%

$90,000.00

18 months

2.08%

2.10%

$90,000.00

24 months

2.23%

2.25%

$90,000.00

36 months

2.37%

2.40%

$90,000.00

40 months

3.35%

3.41%

$90,000.00

48 months

2.47%

2.50%

$90,000.00

60 months

2.57%

2.60%

$90,000.00

Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on January 25, 2019. Rates are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

Add-On

Add-On Certificates - minimum opening deposit of $100.00

Term

Dividend Rate

APY

Minimum balance to earn stated APY

12 months

0.25%

0.25%

$100.00

Annual Percentage Yield (APY) is accurate as of January 2nd, 2018. Rates are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

Save To Win

Save to Win Certificate - minimum opening deposit of $25.00

Term

Dividend Rate

APY

Minimum balance to earn stated APY

12 months

0.20%

0.20%

$25.00

Annual Percentage Yield (APY) is accurate as of January 2nd, 2018. Rates are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Official account and prize entry rules and complete list of prizes that are available at www.savetowin.org. Void where prohibited by law. Inquire at Centris for complete terms & conditions.

Products / Services Offered By Third Parties / Affiliates: Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.